Lending Guidelines

Loan Amounts:  $200K - $10M  
Loan-to-Value (LTV):  Up to 65%
Rates: starting at 7.75% interest only
Fees:  Starting at 2% (points)
Loan Position:  1st only
Loan Term:  Up to 5 years
Prepayment Penalty: Negotiable
Use of Proceeds: Business and Commercial purposes
(some exceptions may apply)

Property Location

California Only Lender:
San Francisco Bay Area
Lake Tahoe
Central Valley
Santa Barbara
Los Angeles
Orange County
San Diego



Property Types


Single Family Homes                                                                                                    
Multifamily Unit Complexes


Mixed Use
Apartments 5+ Units
Office Buildings
Retail Properties
Industrial Properties
Mini Storage Facilities
Mobile Home Parks

Loan Types

Property Purchase
Equity Cash out
Bridge Loan
Rehab Fix & Flip (Selective)
  - SF Bay Area only
New Construction (Highly Selective)
  - SF Bay Area only
Note Purchase


What you can expect from Rubicon Mortgage Fund, LLC...

  • Accelerated turnaround time on quotes and terms
  • Extensive knowledge of creative and secured loan transactions
  • Reliability: You can rely on us to get the transaction completed with expediency and ease
  • We can facilitate funding a loan in less than 2 weeks
  • We do Note Hypothecations or loans for Note Purchases
  • Up to a 65% loan-to-value ratio on income producing property
  • Short-term financing - almost all of our loans are less than 24 months
  • We fund on all property types except owner-occupied residential properties
  • We buy Notes



Client Testimonials

"A few years ago, I found myself in a pinch with the falling real estate market. The usual cast of lenders was jumpy and unwilling to fund traditional loans. Rubicon Mortgage helped us out. I liked the experience so much that now I'm an investor in RMF. They provide a valuable service to the community."  - JW


"I've had the privilege of working with Vance and Doug on several loans  and what stands out for me every time I engage them is their attention to detail. They've always put in the time to understand the deal and provide more than just one option!  Not only have they been able to provide financing for me on challenging projects that have been turned down by others but each time they've delivered on their terms and timing."  - JB


"If you would like to know the value of money, go and try to borrow some."
- Benjamin Franklin